Bharti AXA (now ICICI Lombard) Health Insurance FAQs

Yes, Bharti AXA provides cover for critical illness in its health insurance plans.

Bharti AXA covers up to 20 critical illnesses in its health insurance plans.

Yes, the policy can be purchased on the family floater basis. You can cover yourself, your spouse and up to two independent children under a single policy.

Critical illnesses can occur even to young people. So, to be on a safer side, it is always recommended to purchase a good health insurance plan with critical illness cover even if you are young.

Yes, a comprehensive health check-up is offered annually to the policyholders.

Yes, the cost incurred on the vaccination for an animal bite is insured up to Rs. 5,000.

The floater plan gives the cover to organ donor for the organ transplantation process up to the amount of sum insured.

No capping is applicable on the coverage of room rent and cover is offered up to the limit of sum insured amount.

A 9 month waiting period is applicable under the plan since the introduction of the first policy with the firm.

Bharti AXA family health insurance plan is recommended for someone who wants to protect their entire family against healthcare expenses arising due to any sickness, illness, or disease.

Yes. You can change the sum insured of your Bharti AXA health insurance policy at the time of policy renewal. Note that you won't be able to change the sum insured if the policy is not renewed on time.

Bharti AXA family health insurance policy offers several advantages to the insured. Some of these include a wide range of sum insured options, tax benefits under Section 80D of the Income Tax Act, 1961, recuperation benefit if diagnosed with critical illness, direct claim settlement at network hospitals, etc.

Bharti AXA family health insurance plan offers several coverage benefits such as for daycare procedures, in-patient hospitalisation expenses, organ donation expenses, domiciliary expenses, hospital cash benefit, ambulance expenses, dread disease recuperation, etc.

Yes. On the premium paid for Bharti AXA health insurance policy, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail tax benefits if you pay the premium in any mode other than cash.

There are many factors. Some of them are pre-existing medical conditions, body mass index (BMI), family medical history, Injurious substances, age, choice of profession and work environment, first insurance policy, etc.

Bharti AXA offers insurance policies for a duration of 1 year. You can get them renewed subsequently.

The customer care number of Bharti AXA is 1800-102-4444.

You can buy and apply for any Bharti AXA Health Insurance Policy online from the official website of Bharti AXA Health Insurance at www.bharti-axagi.co.in or you can call at 022-6118-8888. Also, you can purchase through online broker’s website like www.insurancedekho.com.

The individual plan owns an inbuilt critical illness cover for all its customers.

Under the Bharti AXA, individual plan daycare treatments are covered up to the amount of Sum Insured.

Pre-existing diseases are covered post 48 months in the individual plan.

Individual health insurance policy offered by Bharti AXA is an ideal choice for an individual who is not yet covered under a health insurance policy, or is not satisfied with the coverage benefits offered by his/her employer.

Yes. You can change the sum insured of your Bharti AXA individual health insurance policy if you are not satisfied with the existing one. You can do the same at the time of policy renewal.

Bharti AXA individual health insurance offers several advantages to the insured. Some of these include lifetime renewability benefit, No Claim Bonus, add-on of critical illness, cost of pre-policy health checkup borne by the company on policy acceptance, recuperation benefit in case of critical illness, portability benefit, grace period, and free look period.

Bharti AXA individual health insurance policy covers you for in-patient hospitalisation expenses, daycare expenses, domiciliary hospitalisation expenses, road ambulance expenses, home nursing expenses, hospital cash allowance, dread disease recuperation, etc.

Yes. Bharti AXA individual health insurance policy offers tax benefits under Section 80D of the Income Tax Act, 1961, on the premium paid for it. You can avail the benefit on paying premium in any mode other than cash.

Yes. If not satisfied with your existing sum insured under the Bharti AXA health insurance policy for kids, you can get it changed at the time of renewal. Note that you will not be able to change the sum insured if the policy is not renewed on time or during the grace period.

Bharti AXA kids health insurance offers the following advantages to the insured-lifetime renewability benefit, No capping on room rent, restoration of sum insured option available up to 100%, No Claim Bonus for every year a claim is not made, up to a specific period of time, no capping on room rent, variety of sum insured options, etc.

Bharti AXA kids health insurance plan covers the insured for expenses related to annual health check-up, domestic air ambulance, domiciliary hospitalisation expenses, AYUSH treatment expenses, emergency surface expenses, lump sum amount for critical illness expenses, etc.

Yes. If you pay the premium for Bharti AXA kids health insurance in any mode other than cash, you can avail tax benefits under Section 80D of the Income Tax Act, 1961.

Yes, the plan encourages the tax savings as per the section 80D of the Income Tax Act.

Restoration of Sum Insured up to 100% is allowed under Bharti AXA maternity cover plan.

Bharti AXA maternity health insurance policy is most suitable for anyone who wants complete coverage for delivery or pregnancy related expenses. The policy provides cover for up to a specific limit during the policy term.

Yes. You can change the sum insured of your Bharti AXA maternity insurance plan at the time of policy renewal, if you are not satisfied with the existing sum insured. The policy allows you to enhance the sum insured up to the maximum limit available under the policy.

Bharti AXA maternity health insurance comes with several advantages, some of which include a variety of sum insured options, No Claim Bonus on every renewal, recuperation benefit if diagnosed with critical illness, direct claim settlement at the network hospital, cost of health check-up for every block of 4 claim-free years, expenses related to pre-policy health checkup borne by the company on policy acceptance, and tax benefits under Section 80D of the Income Tax Act, 1961.

Bharti AXA maternity health insurance plan covers you for major healthcare expenses including daycare expenses, in-patient hospitalisation expenses, organ donor expenses, domiciliary hospitalisation expenses, hospital cash allowance, ambulance expenses, home nursing expenses, and dread disease recuperation.

Yes. On the premium paid for maternity health insurance policy offered by Bharti AXA, you can avail tax benefits under Section 80D of the Income Tax Act, 1961. You can avail tax benefits only if the premium is paid in any mode other than cash.

Yes. You can change the sum insured of your Bharti AXA parents health insurance policy if you are not satisfied with it, under Section 80D of the Income Tax Act, 1961.

Bharti AXA parents health insurance policy offers you several advantages such as sum insured for Rs. 1 crore, pre-hospitalisation and post-hospitalisation expenses, zero capping for room rent, No Claim Bonus, and tax benefits under Section 80D of the Income Tax Act, 1961.

Bharti AXA parents’ health insurance plan covers you for several expenses such as annual health check-up coverage, domestic air ambulance expenses, organ donor expenses, daycare expenses, emergency ambulance expenses, treatments taken under AYUSH systems of medicines, and cover for specific critical illnesses.

Yes. You can avail tax benefits on the premium paid for Bharti AXA parent’s health insurance plan. Kindly note that you can only avail benefits if the premium is paid in any mode other than cash.

Yes. Bharti AXA provides portability feature in its health insurance policies.

You can port your health insurance policy from one to another at the time of policy renewal.

No, portability in Bharti AXA does not involve any extra cost.

The premium is determined on the basis of the following factors:

• Sum insured
• Family members to be covered
• Age of the senior most member of the family
• Type of policy opted for. It can be Basic, Premium, or Optimum.

Bharti AXA provides you a variety of sum insured options to choose from that you can on your own. You can decide this amount considering the number of members you need cover for, expected cost of treatment and the premium amount you are willing to pay.

Yes, you can pay the premium for Bharti AXA health insurance policies via Credit Card.

Yes. You can change the sum insured of your Bharti AXA senior citizen health insurance plan at the time of policy renewal if the insurer has the option to do so. Kindly note that if you enhance the sum insured of the plan, then you will be required to pay a higher premium.

Bharti AXA senior citizen health insurance comes with several advantages that the policyholders can enjoy. Some of these include a variety of sum insured options between Rs. 5 Lakh and Rs. 1 crore, No Claim Bonus in case of claim-free year, no cappin for room rent in hospital, 100% restoration if the sum insured gets exhausted, etc.

Bharti AXA senior citizen health insurance plan covers senior citizens for in-patient hospitalisation expenses, pre-hospitalisation and post-hospitalisation expenses, domiciliary hospitalisation expenses, treatments taken under AYUSH systems of medicines, emergency ambulance expenses, organ donor expenses, daycare treatments, lump sum amount in case a critical illness is diagnosed, etc.

Yes. Bharti AXA health insurance plan offers tax benefits on the premium paid, under Section 80D of the Income Tax Act, 1961. Kindly note that the premium can be availed if it is paid in any mode other than cash.

Yes. The insurance company allows you to change the sum insured of your woman health insurance policy at the time of renewal if you are not satisfied with the existing plan. Note that the premium may also change with change of sum insured.

If covered under Bharti AXA woman health insurance, you can avail several advantages such as restoration of sum insured option for up to 100%, no capping on room rent, No Claim Bonus on every claim-free year, lifetime renewability benefit, portability benefit, free look period of 15 days.

Bharti AXA woman health insurance plan protects you from several healthcare expenses such as pre-hospitalisation and post-hospitalisation expenses, coverage taken as out-patient emergency treatment, domiciliary hospitalisation expenses, emergency ambulance expenses, daycare treatment, treatments taken under AYUSH systems of medicines, etc.

Yes. The premium paid for Bharti AXA woman health insurance policy is eligible for tax deductions under Section 80D of the Income Tax Act, 1961. Kindly note that you will only be able to avail tax benefits if the premium is paid in any mode other than cash.